ACH Network

Yeah.

So a lot of on-chain payments, uh, in developed economies will just be behind the scenes, and hopefully the consumers benefit by lower cost of transactions, speed of transactions, you know, getting money on the weekend, while still having the benefit of all the consumer protections that the card networks provide for chargebacks, disputes, the ACH Network provides if you, um, want to dispute a transaction.

All of those consumer protections need to move on-chain-

Yep

Yeah.

Upgrading the ACH Network or the point-of-sale architecture is an infrastructure project on par with, like rebuilding the national highway system.

So it's basically a massive coordination problem.

It's partly coordination, but there is also a huge incentive problem.